Just because you have LTD insurance does not guarantee that it will provide the benefits you need if you cannot work. Our Orlando Long Term Disability insurance lawyer explains.
Long Term Disability (LTD) benefits offered through your employer can be valuable in safeguarding your financial well-being during times of incapacitation. However, relying solely on these benefits may not provide adequate coverage in certain circumstances.
Our Orlando LTD law firm explains the limitations of employer-provided LTD insurance and when additional protection may be necessary.
Understanding Employer-Provided Long Term Disability Insurance
Long Term Disability insurance, typically included in your employment package, offers protection if injuries, illnesses, or chronic health conditions render you unable to work for an extended period. While it may seem tempting to gloss over insurance details in employee paperwork, it is crucial to scrutinize your LTD coverage terms.
Under the Employee Retirement Income Security Act of 1974 (ERISA), employers must furnish policy-related documents upon request, allowing you to identify potential limitations impacting your benefits eligibility, including:
- Covered conditions: Insurers’ policies vary in the range of physical and emotional disabilities covered.
- Exclusions: Policies often outline conditions ineligible for coverage.
- Waiting periods: A waiting period, typically five months or longer, may precede benefit eligibility.
- Length of coverage: Employer-provided LTD benefits may only last a few years.
- Benefit amounts: Benefits available through employer plans may offer limited financial support.
Assessing the Need for Additional LTD Protection
Given the prevalence of Long Term Disabilities—approximately one in four adults may experience them before retirement age—relying solely on employer-provided coverage may leave gaps in your financial security.
Privately purchased policies offer supplementary benefits that could prove invaluable in specific scenarios, such as:
- Chronic health conditions: Those with heightened susceptibility to Long Term Disabilities may benefit from additional coverage.
- Breadwinner status: Primary income earners may require extended coverage to safeguard their family’s financial stability.
- Limited employer benefits: Supplemental coverage can bridge potential gaps if employer-provided benefits have a finite duration.
- Coverage exclusions: Conditions not covered under your employer’s policy may necessitate additional protection.
How To Find An LTD Insurance Lawyer in Orlando
Finding a qualified Long Term Disability lawyer to assess your coverage and assist with a denial can help you navigate the complexities of disability claims.
Contact a reputable Orlando Long Term Disability insurance law firm like Herbert M. Hill, P.A., where experienced attorneys focus on LTD cases and have a proven track record of success. 
Our dedication to our clients and extensive knowledge of ERISA laws ensure personalized attention and effective advocacy throughout the claims process. Here is what one of our satisfied clients has to say:
“The best decision I made was entrusting Mr. Hill and his excellent team. I was impressed with the entire process from start to finish. I felt heard, supported, believed, and confident that if anyone could help me get the benefits I was owed that it would be them. They made the process as easy as possible on me and took away much of the stress. So so so glad I took the leap of faith in hiring them.” -Melissa C.
With the right LTD lawyer, you can confidently pursue the benefits you deserve and challenge any denials with expertise and determination.
Get the Benefits You Deserve with Our Orlando Long Term Disability Insurance Lawyer
When navigating challenges with Long Term Disability benefits or asserting your rights during claims, our Long Term Disability lawyers offer steadfast support and seasoned legal representation. Contact us today to schedule a consultation.
